[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lopes.cz\/finance-na-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.lopes.cz\/finance-na-vlastni-bydleni\/","headline":"Finance na vlastn\u00ed bydlen\u00ed","name":"Finance na vlastn\u00ed bydlen\u00ed","description":"Jak z\u00edskat nemovitost? Pokud nevyd\u011bl\u00e1v\u00e1te miliony ro\u010dn\u011b, jen t\u011b\u017eko si budete moct koupit byt nebo d\u016fm za hotov\u00e9 pen\u00edze. Proto si naprost\u00e1 v\u011bt\u0161ina lid\u00ed brala … ","datePublished":"2023-07-27","dateModified":"2023-10-26","author":{"@type":"Person","@id":"https:\/\/www.lopes.cz\/author\/#Person","name":"","url":"https:\/\/www.lopes.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lopes.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lopes.cz\/wp-content\/uploads\/money-2724245_640_10_8.jpg","url":"https:\/\/www.lopes.cz\/wp-content\/uploads\/money-2724245_640_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.lopes.cz\/finance-na-vlastni-bydleni\/","wordCount":411,"articleBody":"       Jak z\u00edskat nemovitost? Pokud nevyd\u011bl\u00e1v\u00e1te miliony ro\u010dn\u011b, jen t\u011b\u017eko si budete moct koupit byt nebo d\u016fm za hotov\u00e9 pen\u00edze. Proto si naprost\u00e1 v\u011bt\u0161ina lid\u00ed brala a bere hypot\u00e9ky. Podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed nebyly zase tak t\u011b\u017ek\u00e9, \u0161lo jen o to aby \u010dlov\u011bk nem\u011bl dluhy a m\u011bl pravideln\u00fd p\u0159\u00edjem v dostate\u010dn\u00e9 v\u00fd\u0161i. Jen\u017ee proto\u017ee byly hypot\u00e9ky dostupn\u00e9 pro v\u011bt\u0161\u00ed okruh lid\u00ed, mohli si je dovolit i lid\u00e9, kte\u0159\u00ed ji potom nezvl\u00e1dali spl\u00e1cet. Prim\u00e1rn\u011b by m\u011bla sama banka zhodnotit  http:\/\/www.ovb.cz\/financni-poradenstvi\/zhodnoceni-majetku.html zda je pro n\u011b klient rizikov\u00fd nebo ne a podle toho se rozhodnout, zda hypot\u00e9ku poskytne \u010di nikoliv, ale faktem je, \u017ee se k n\u00ed opravdu dostalo hodn\u011b lid\u00ed. To vedlo k tomu, \u017ee \u017ee nemovitosti kon\u010dily v exeku\u010dn\u00edch dra\u017eb\u00e1ch a banky na tom ztr\u00e1cely spousty pen\u011bz.Proto\u017ee se bank\u00e1m logicky nel\u00edbilo \u017ee maj\u00ed starosti nav\u00edc a p\u0159ich\u00e1zej\u00ed o zisky, \u010cesk\u00e1 n\u00e1rodn\u00ed Banka zas\u00e1hla a zp\u0159\u00edsnila podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky natolik, \u017ee si ji naopak nem\u016f\u017ee dovolit t\u00e9m\u011b\u0159 nikdo. Banky v sou\u010dasn\u00e9 dob\u011b za\u010daly vy\u017eadovat aby lid\u00e9 m\u011bli naspo\u0159enou pom\u011brnou \u010d\u00e1st z ceny nemovitosti, kterou si cht\u011bj\u00ed koupit. V\u011bt\u0161inou \u0161lo o 20 % co\u017e znamenalo, \u017ee banky cht\u011bly po lidech stovky tis\u00edc korun. Co\u017e je dost velk\u00fd probl\u00e9m, pokud m\u00e1te pr\u016fm\u011brn\u00e9 p\u0159\u00edjmy a plat\u00edte n\u00e1jem. Mnoho bank\u00e9\u0159\u016f se realitn\u00edch makl\u00e9\u0159\u016f proti zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek bojovalo, proto\u017ee to znamenalo velmi citeln\u00e9 ochlazen\u00ed realitn\u00edho a hypote\u010dn\u00edho trhu. To bylo impulsem k tomu, aby do\u0161lo k pozvoln\u00e9mu rozvoln\u011bn\u00ed takto drsn\u00fdch podm\u00ednek. Op\u011bt z\u00edsk\u00e1 hypot\u00e9ku v\u011bt\u0161\u00ed po\u010det \u017eadatel\u016f. Nicm\u00e9n\u011b ani tak nem\u00e1 k hypot\u00e9ce ka\u017ed\u00fd dve\u0159e otev\u0159en\u00e9.Co v\u00e1m br\u00e1n\u00ed v z\u00edsk\u00e1n\u00ed hypot\u00e9ky? Pro mnoho lid\u00ed je jedinou cestou nebankovn\u00ed hypot\u00e9ka Americka-nebankovni-hypoteka.cz, proto\u017ee banky odm\u00edtaj\u00ed d\u00e1vat \u00fav\u011bry lidem, kte\u0159\u00ed maj\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Sem se dostanete pokud jste v exekuci nebo insolvenci, a o takov\u00e9 klienty logicky banky nestoj\u00ed, proto\u017ee jsou vysoce rizikov\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finance na vlastn\u00ed bydlen\u00ed","item":"https:\/\/www.lopes.cz\/finance-na-vlastni-bydleni\/#breadcrumbitem"}]}]